Looking to secure a VA Loan?

Getting a mortgage can be tricky these days, but if you’ve served in the military, you may qualify for quick approval with a Veterans Administration loan. Your path to ownership starts here, and our mortgage loan originators are here to help you learn more about our VA loans and find out if the program is right for you.

Do you qualify for an FHA Loan?

An FHA Mortgage is a government-backed home loan with more flexible lending requirements than those for conventional loans. FHA loans are insured by the Federal Housing Administration and may have an easier qualification process due to less stringent down-payment and credit requirements than conventional mortgages. An FHA loan may be a good fit if you have poor credit or limited cash for a down payment. Contact one of our mortgage loan originators to find out which mortgage option is the best fit for you.

Does a PMI Advantage apply to you?

A Private Mortgage Insurance policy protects your lender in case you default on payments. If your down payment on a home is less than 20 percent of the appraised value or sale price, your lender will require you to get this insurance. As a borrower, you pay the premiums, and the lender is the beneficiary. There are two types of mortgage insurers: government and private. Consult us to see if this is a viable option for your home ownership.

What our customers have to say...

Sean war great. He was very compassionate about my situation. He kept me in the loop about how the process was going step by step. Sean returned all my call and answered all my questions in a timely fashion.

- glennglover2 5 / 5Dec 10, 2017

Ryan made the process of obtaining our loan less stressful. He worked diligently (night and day) to be sure he secured the proper loan for us. We are truly grateful for his help and professionalism.

- user0353690 5 / 5Dec 08, 2017

DiTech was very effective and accurate in developing the refinancing we needed. Everything was above board and in detail that as developed as the refinancing paperwork grew in accuracy.

- vilhauers0 5 / 5Dec 07, 2017

Working with Corey and his team made the process of buying our first home both informational and enjoyable! We learned more about the process of applying for a loan than we thought we would be able to understand. The way that Corey took the time to explain everything and assure that we understood it was greatly appreciated. He made sure that we were fully informed and understood our options before making any decisions. In addition, he was always available when questions arose or panic set in! We would certainly use Corey and Perennial Funding next time we are purchasing a home.

- danielle mccloskey92 5 / 5Dec 07, 2017

I cannot say enough about Jake Tunitis. Jake assisted my husband and I a few years ago with a refinance. He did such a fantastic job that he was the only person I thought to call when we decided to refinance again. I kind of put him to the test this time around. I wanted to close as quickly as possible and definitely wanted it done before Christmas. That was allowing barely 30-days for Jake to pull it off.
Well, to our absolute amazement, we closed in astounding record time; just 14-days! I couldn't have asked for a better experience; Jake makes the process so easy and painless. My husband and I recommend Jake 100%.
Our thanks and greatest appreciation to Jake Tunitis, once again.

- we2rmany 5 / 5Dec 06, 2017

Corey and his team were excellent in educating us on what loan would work best for us . Made the whole process extremely easy and enjoyable. We had issues with our home not appraising for more than the purchase price and thought we would loose the house but Corey took care of it and got us our home.

- user33424562 5 / 5Dec 02, 2017

Ryan Shaughnessy was awesome, extremely knowledgable and responsive. He made himself available to us and was fast and accurate with information. Ryan kept me up to date daily on the process and was always ahead on what documents were going to be needed which made the process quick and easy. We could not have refinanced without him.
We would gladly work with him again in the future. Perennial Funding is lucky to have him.

- maramirez19446 5 / 5Nov 27, 2017

This was my first time buying a home. Ryan was referred to me by a family member and went above and beyond my expectations. He was on top of all aspects of the sale and was the glue that kept everything together. He is patient and knowledgeable. He outlined the pros and cons of each of my options and helped me make the best decision. I would highly recommend Ryan to anyone buying a home.

- JamesGlatts 5 / 5Nov 27, 2017

After shopping around for VA refinance loan, we chose Perennial because of Mike Ramer. From our first conversation he was very friendly and courteous while he clearly explained our options and I immediately felt comfortable working with him. His professionalism and integrity was demonstrated throughout our entire process. He spent many hours answering and or researching the questions/information we had asked. Mike always made us feel that he was genuinely concerned about us by consistently responding in a very timely manner to any email or phone call. The way he was able to thoroughly explain the answers made it much easier for us to understand. In the end, he ensured his company and the actual lender "did the right thing" for us. We truly appreciate all his efforts in providing us our VA ...

Legal

Loan programs are subject to credit approval. Other terms, conditions, restrictions and fees may apply. All of the information on this website is published in good faith and for general information purposes only. Perennial Funding does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk and we will not be liable for any losses and damages in connection with the use of our website. The content in this website should not be construed as a mortgage loan commitment. From our website, you can visit other websites by following hyperlinks to these sites. While we strive to provide only links to useful and ethical websites, we have no control over the content and nature of these sites and the links to other websites do not imply a recommendation for all of the content found on these sites. Please be aware that when you leave our website, other sites may have different privacy policies and terms, which are beyond our control. Thank you for visiting Perennial Funding's website.*By refinancing your existing mortgage your total finance charges may be higher over the life of the loan.